Acquisition
Jan 2025ABHI and TPL Corp completed the acquisition of FINCA Microfinance Bank Limited, later launching ABHI Microfinance Bank; this marked a major strategic shift into regulated banking.
SourceAbhi is Pakistan's 1st financial wellness platform focusing on…
Company research
Public company, workplace, funding, and market signals
Overview
ABHI (Private) Limited is a Karachi-based Pakistani fintech/embedded-finance platform founded in 2021; it began with earned wage access/salary advances and now offers payroll, business financing, payments, and bank-linked financial products through the broader ABHI group.
Primary product
Earned wage access / salary advance (AbhiSalary)
Founded
2021
Headquarters
Karachi, Sindh, Pakistan
Team size
51-200
Industry
Financial Services
Sub-industry
Embedded finance / earned wage access / payroll fintech
Offices
Office # 21, 1st Floor, Building # S-4, NASTP Silicon Valley, Near PAF Museum, Shahrah-e-Faisal, Karachi, Pakistan
43/1-B, Block 6, PECHS, Karachi, Pakistan
Fortune Towers, Shahrah-e-Faisal, Karachi, Pakistan
Office # 5, Floor 6, Askari Corporate Tower, Lahore, Pakistan
Abu Dhabi, United Arab Emirates
Business model
B2B2C
B2B
transaction fee
lending / financing
Funding
Stage
Pre-Series B
Total raised
$66.2M
Latest round
Pre-Series B · Jan 2025
Latest amount
$25M
People & investors
Leadership
Co-Founder & CEO
Co-Founder & COO
Head of Technology / CTO
Sarkhail Bawany
Head of Product
Hassan Mumel
Head of Marketing & Brand Experience
Mohammad Zaidi
Head of Sales & Business Dev
Work & culture
Mission-driven, fast-paced, cross-functional team focused on financial inclusion and employee financial wellness; the company describes its team as the best of the best and says it works round the clock to build innovative financial products.
Product & market
Pricing
Employees pay a 2% transaction fee upfront for salary advances; employers pay zero cost. Other financing products appear to be relationship- or quote-based.
Differentiators
- —Shariah-compliant earned wage access
- —app and USSD access
- —zero-cost employer program
- —B2B2C model
- —earned wage access plus payroll plus SME financing
- —microfinance bank acquisition
- —AI-powered credit scoring
- —regional multi-market footprint
Technology
React
React Native
Node.js
JavaScript
TypeScript
AWS Lambda
API Gateway
Route 53
RDS
PostgreSQL
DynamoDB
S3
SQS
SNS
CloudFront
WAF
MongoDB
Stripe
OAuth
WhatsApp integrations
Customers
salaried employees
employers
SMEs
Daraz merchants
foodpanda home chefs
white-collar workers
blue-collar workers
Competitors
Refyne
Payflow
Salary Finance
Wagestream
EarnIn
Finja
Scale & contact
Estimated revenue
≈$23.4M ARR (public GetLatka estimate; other public profiles are lower and appear stale)
Estimated monthly visits
13.1K
Traffic estimate as of Jul 2026
Signals & risks
Latest news
ABHI · Sep 2025
Official partnership announcement extending earned wage access to Jaffer Brothers employees.
ABHI · Aug 2025
Official partnership announcement for EWA deployment at Fast Cables.
ABHI · Aug 2025
Official partnership announcement for real-time salary access for Riphah employees.
ABHI · Jul 2025
Official partnership announcement extending instant salary access to Younus Textile Mills staff.
Business Recorder · Jan 2025
Business Recorder reported that TPL Corp and ABHI completed the acquisition of FINCA Microfinance Bank, a major shift into regulated banking.
Jobs and careers at Abhi
0 jobs at Abhi
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